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This page will continue to grow as a comprehensive resource for information on the debt crisis in America and its impact on economic security. The site covers a range of issues from credit cards to payday loans to predatory mortgage lending.
For information on Demos' Congressional testimony on credit card debt and credit industry practices, please contact us at tdraut@demos.org.
Demos Research on Debt:
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Who Pays?
The Winners and Losers of Credit Card Deregulation
August 1, 2007 |
Borrowing to Stay Healthy
How Credit Card Debt is Related to Medical Expenses
January 16, 2007
A House of Cards Update
Refinancing the American Dream
Winter 2007
Generation Debt
Student Loans, Credit Cards, and Their Consequences
November 27, 2006
Young Adult Economics Series Part 3
(For Full Series, click here)
The Plastic Safety Net
The Reality Behind Debt in America
October 12, 2005
Findings from a National Household Survey of Credit Card Debt Among Low- and Middle-Income Households
Costly Credit
African Americans and Latinos in Debt
May 11, 2005
Costly Credit, the fourth in a series of briefing papers documenting the dramatic rise in credit card debt, provides a snapshot of these trends by race between 1992 and 2001.
Home Insecurity
How Widespread Appraisal Fraud Puts Homeowners At Risk
March 15, 2005
Many Americans have reduced the equity in their home to pay off credit card debts and cover day-to-day expenses. More troubling still is evidence that many appraisers fraudulently inflate property values during the buying or refinancing of homes. This paper explores the implications of appraisal fraud.
A House of Cards
Refinancing The American Dream
January 9, 2005
"A House of Cards" is the third in a series of Borrowing to Make Ends Meet Briefing Papers. Since the refinancing boom began in 2001, American homeowners have cashed out over $330 billion in home equity to cover rising living expenses and credit card debt, putting at risk their most important asset - their home.
Generation Broke
The Growth of Debt Among Young Americans
October 13, 2004
"Generation Broke", the second in a series of Borrowing to Make Ends Meet Briefing Papers, reports a 55% average increase in credit card debt among America's young adults from 1992 to 2001.
Restoring Borrower Security
Addressing the Debt Crisis in America
August 2, 2004
Two-page policy brief with new solutions to lower the cost of credit and help Americans get out of debt.
Retiring in the Red
The Growth of Debt Among Older Americans
January 19, 2004
NEW: SECOND EDITION. "Retiring in the Red" is part of the Borrowing to Make Ends Meet Briefing Paper Series. Reports an 89% average increase in credit card debt among America's seniors from 1992 to 2001.
Borrowing to Make Ends Meet
The Growth of Credit Card Debt in the '90s
September 8, 2003
Working families are increasingly using credit cards to meet their basic needs.
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